Manish Singh
Summary
Assistant Manager in Underwriting with hands-on experience in Credit and Risk, adept at working across Supply Chain Finance and the TReDS platform. Skilled in evaluating the creditworthiness of buyers and sellers, analyzing financial documents, and facilitating safe lending decisions. Known for identifying risks early, ensuring compliance with company and regulatory policies, and maintaining efficient underwriting processes. Proven ability to reduce credit risk while supporting business growth. Recognized as detail-oriented, dependable, and fast at problem-solving, drawing on a strong foundation in finance and professional roles across major financial institutions.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Assistant Manager- Credit & Risk
M1xchange
04.2024 - Current
- Reviewed and analyzed credit rating reports to assess borrowers' financial stability, repayment capacity, and overall risk profile.
- Reviewed and analyzed financial statements, GST data, and banking statements to determine repayment capacity and recommend appropriate credit limits.
- Evaluated MSME credit applications to determine financial reliability and eligibility for Supply Chain Finance on TReDS platforms.
- Assessed overall credit eligibility in line with company policies, risk frameworks, and income grids.
- Prepared CAMs and Scorecards for MSME and large corporate clients, providing well-analyzed recommendations for credit approval to higher authorities.
- Conducted customer meetings and on-site visits to validate business operations, financial practices, and identify potential risk factors.
- Coordinated with multiple financiers, including banks and NBFCs, to facilitate credit approvals, disbursements, and resolution of operational issues.
- Maintained MIS and portfolio dashboards, providing accurate and timely reporting for management decision-making.
Credit Analyst
AGRIM Wholesale Private Limited
07.2022 - 01.2024
- Reviewed financial statements, credit reports, and other key financial information to evaluate the creditworthiness of applicants.
- Analyzed credit data to assess risk and determine loan eligibility.
- Prepared comprehensive credit reports for management review, providing well-supported recommendations for credit approval.
- Monitored potential risks, identified red flags, and recommended measures to mitigate defaults and maintain portfolio quality.
- Reviewed financial statements to identify trends and discrepancies, ensuring accurate evaluation of applicants.
- Coordinated with multiple financiers to ensure fast and smooth disbursement of funds.
Management Trainee
Shivalik Small Finance Bank
11.2021 - 06.2022
- Drafted Credit Appraisal Memorandums (CAMs) and reviewed loan applications by analyzing financial statements, business models, and identifying potential risks or red flags.
- Assessed overall credit eligibility and repayment capacity to provide well-analyzed recommendations for approval.
- Handled daily testing of the Loan Origination System (LOS) and coordinated with the CCAT team to resolve technical issues promptly, ensuring smooth workflow and minimal delays.
- Liaised with customers to collect missing documents or clarify application details, facilitating faster loan processing and approvals.
Education
MBA - Finance
Dr. A. P. J. Abdul Kalam Technical University
Ghaziabad, India07-2022
Bachelor of Commerce - Finance
Mahatma Jyotiba Phule Rohilkhand University
Chanduasi, India07-2020
Skills
- Credit Appraisal & CAM Preparation
- Credit Risk Assessment & Underwriting
- Financial Statement Analysis
- Credit Report Evaluation (CIBIL, Ratings)
- Loan Eligibility & Decision-Making
- Team Collaboration & Leadership
- MS Office
- SQL & Data Analysis
Certification
- Perfection Honor (AGRIM) – Received for exceptional accuracy and maintaining a minimal error rate in credit and risk functions.
- Fastest Finger Award (M1xchange) – Recognized for outstanding performance and speed in credit underwriting processes.
Timeline
Assistant Manager- Credit & Risk
M1xchange
04.2024 - Current
Credit Analyst
AGRIM Wholesale Private Limited
07.2022 - 01.2024
Management Trainee
Shivalik Small Finance Bank
11.2021 - 06.2022
MBA - Finance
Dr. A. P. J. Abdul Kalam Technical University
Bachelor of Commerce - Finance
Mahatma Jyotiba Phule Rohilkhand University